7. Buy Less Motorcycle

Kawasaki Ninja 300

Look, we know you want the biggest, baddest, fastest, coolest motorcycle. We all do. But if you’re shopping for a new motorcycle, don’t price yourself out of being able to ride it. Cruisers, for example, receive lower rates than sportbikes. Pre-owned, older motorcycles cost less to insure than brand new ones. Exotic bikes, vintage bikes, rare bikes, custom bikes – all will cost you more to insure than a sensible motorcycle with a sensible engine.